Thiago Silva Email & Phone Number

Bank of Brazil (Banco do Brasil SA) is Latin America's largest financial institution (corporate banking and trade financing) and is present in more than 20 countries. • Managing all credit risk operations for retail and agribusiness clients, with over 120MM in bank credit exposure.• Directing comprehensive credit analysis for corporate, individual, and agribusiness sectors, driving portfolio growth by over 200%, surpassing national benchmarks.• Leading the formulation, communication, and implementation of effective credit strategies and procedures to ensure a well-balanced portfolio while mitigating risks to the bank.• Directing comprehensive portfolio analysis to monitor credit exposure, identify sectoral risks, and ensure that the bank's credit portfolio aligns with regulatory standards and internal risk appetites.• Leading the communication and execution of investment strategies, guiding business clients in designing their investment portfolios to align with their financial objectives, risk tolerance, and market conditions while ensuring alignment with the bank's overall financial objectives.• Doubling profit margins in two branches through focused credit expansion and service diversification.• Introducing and promoting various banking services, including insurance, pensions, investments, and savings bonds. • Mentoring and guiding the credit team, ensuring continuous professional development, and promoting a culture of credit excellence, rigorous analysis, and customer-centric decision-makingKey achievements:• Ranking consistently among the top 5 branches, earning bi-annual bonuses equivalent to two months' salary.• Supporting local business and agricultural sectors with tailored credit solutions.• Enhancing local employment and development metrics, positioning municipalities to excel beyond national averages.

• Investment Portfolio Management: Led the strategic allocation of investments for medium to large enterprises, ensuring maximised returns while aligning with clients' risk appetite and long-term financial goals.• Comprehensive Credit Analyses: Conducted in-depth credit evaluations to assess enterprises' financial health and creditworthiness, ensuring optimal lending decisions and minimising risk exposure for the bank.• Financing Solutions: Addressed enterprises' investment financing needs by recommending tailored financial products and services to suit their business objectives and growth plans.• Working Capital Management: Assisted businesses in efficiently managing their capital requirements, enhancing liquidity, and ensuring smooth operational functionalities.Key achievements:• Earned a performance-based bonus every six months for exceptional portfolio management and client service. • Introduced a 360-degree client evaluation for credit decisions, deepening understanding of client needs.• Achieved a 50% increase in profit margins through strategic credit decision-making and opportunity identification.• Consistently ranked among the top 5 in client portfolio management, leveraging analytical tools and market insights to optimise portfolio performance.• Successfully tripled the credit portfolio by adopting a proactive approach to debt acquisition, managing receivables, focusing on working capital financing, and strategically diversifying investments.• Mentored the banking operations team to secure retail client business during the pandemic, surpassing national growth averages.

• Managed risk by determining the creditworthiness of corporate loan applicants; analysed a range of financial data, including net operating income analysis, balance sheets, income/cash flow statements, budgets, and projections.• Managed end-to-end transaction proposals, including investment analysis, approval processes, and execution.• Conducted both qualitative and quantitative due diligence; performed comprehensive Commercial and Credit Analysis analyses and stress testing on potential opportunities.• Led customer meetings and conference calls for initial due diligence and ongoing investment monitoring.• Engaged in proactive portfolio monitoring; reviewed financial reports and market trends to assess portfolio impacts.

• Assisted clients with opening new accounts, deposits, withdrawals, and money transfers, while consistently maintaining accuracy and upholding excellent customer service standards. • Conducted rigorous customer due diligence (CDD), ensuring regulatory adherence.

Postgraduate Degree, Strategic Planning And Capital Markets

Bachelor'S Degree, Business Administration And Management, General